I tend to wear a coat more for the fact that I worry if I'm going to get drunk, I'm going to get pickpocketed. And a coat goes over your pockets so it's harder for someone to get their hand in and steal your phone or wallet out of your pocket. It's an unnecessary level of thinking that may lessen the enjoyment you have out of life.
It is very dangerous to go into eternity with possibilities which one has oneself prevented from becoming realities. A possibility is a hint from God. One must follow it.